i do not bank with either of them, but i am a fan of paperless systems. in the past few years ive basically used checks for two things:
1. paying government bills (property tax, etc) when i am too lazy to go to the local offices and use a credit card or pay cash
2. rent, only b/c i chose to rent from a local guy instead of a 'company' or 'complex,' since he didnt make me sign a lease - which of course i did not want and it ended up being good that i did not sign one

also i have rarely used cash since i stopped bartending. while i realize that this makes me very easily traceable, the convenience makes it worthwhile (at least for right now, while i dont mind being traced lol)

also my bank is pissing me off a lot lately - let me know what your research turns up, i might follow your lead!